Credit card application records are permanently retained in the credit report.

According to the inquiry letter credit card website, there is currently no exit mechanism for the credit record after the card account has been canceled and will be permanently displayed. Forty-five days after the credit card account is canceled, the credit report will show that the account has been canceled, but The credit card application record is permanently retained in the credit report. The credit card application record will always be retained in the credit report. Even if the credit card is canceled, it will not be automatically deleted by the credit reporting system. The credit record (overdue record) in the credit card account will be displayed for 5 years, and the previous overdue record will no longer be displayed. Bank inquiry records left when applying for a credit card, records of successful credit card applications, etc. will not have a bad impact on your credit report. Only overdue repayment records on credit cards will cause a bad record on your credit report, so you don’t have to worry. . For example, when you apply for a mortgage or credit loan, the bank sees that there is a credit card application record in your credit report but no overdue repayment record. This will not cause the mortgage to be rejected, but it is a good repayment record. Contributes to the approval rate of home loans. The introduction of how long it will take for your credit card to disappear after canceling it is as follows. I hope it can help you. What needs to be reminded is: remember not to overdue when applying for a credit card in daily life. Furthermore, although applying for a credit card will not directly affect the loan, there is a limit to everything. If there are many dense credit card application records in the credit report, it will also cause certain problems. of influence.